CPI CARD GROUP INC (PMTS)
Information Technology · Payment processing technology / card manufacturing · NASDAQ
CPI Card Group manufactures and fulfills personalized payment cards for financial institutions, government agencies, and payment networks in a consolidated, competitive market.
What CPI CARD GROUP INC does
CPI Card Group is a manufacturer of prepaid cards, debit cards, credit cards, and related payment card solutions for financial institutions and payment networks. The company designs, produces, and delivers personalized payment cards and related services to support digital payment processing for financial services and government agencies. CPI operates production facilities and serves as a key supplier in the payment card ecosystem, managing inventory, customer relationships, and fulfillment operations across North America.
Themes: payment cards, financial services infrastructure, digital payments, payment processing, card manufacturing and fulfillment
Fundamentals
- Price$28.04 as of 2026-08-21 close
- Market cap$323M as of 2026-08-21
- 1-year return+90.4% 2025-08-21 close $14.73 → 2026-08-21 close $28.04
- P/E27.34 as of 2026-08-24
- Net margin+2.1% as of 2026-08-24
- Gross margin+30.6% as of 2026-08-24
- ROE+11.3% as of 2026-08-24
- Debt / equity4.14 as of 2026-08-24
- Revenue growth (YoY)+15.6% as of 2026-08-24
- Revenue CAGR (3y)+4.5% SEC XBRL
- Beta1.10 as of 2026-08-24
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
Dividend: at least 2 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How PMTS compares in its sector
- price-to-earnings ratiomiddle range 265 covered Information Technology peers, as of 2026-08-24
- net profit marginmiddle range 405 covered Information Technology peers, as of 2026-08-24
- operating marginmiddle range 405 covered Information Technology peers, as of 2026-08-24
- gross marginbottom 25% 403 covered Information Technology peers, as of 2026-08-24
- return on equitymiddle range 405 covered Information Technology peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 386 covered Information Technology peers
- free cash flow (absolute dollars, latest fiscal year)middle range 382 covered Information Technology peers, as of FY2025
Position among covered Information Technology companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage
Not assessed — last reported dividend predates the accounts. The most recent fiscal year in which PMTS reported a dividend payment is FY2017, while its reported financial statements run through FY2025. Coverage is therefore not assessed for the latest year — an FY2017 ratio would not describe PMTS today.
Coverage is derived from reported SEC EDGAR XBRL figures, comparing dividends paid against net income and free cash flow for the SAME fiscal year. It is not shown here because the latest fiscal year with a reported dividend payment (FY2017) is older than the latest year of reported financial statements (FY2025), so any ratio would describe an out-of-date year. Informational only — not financial advice.
How CPI CARD GROUP INC looks technically
CPI CARD GROUP INC (PMTS) is trading 68.6% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 77 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 47, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 68, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 1 trading day ago (its momentum flipped negative). It made a new 20-day high about 9 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 68.6% above its 200-day average, the long-term trend line — a longer-term uptrend | +68.6% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $21.79 | $21.79 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $16.63 | $16.63 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 10 calendar days ago — the swings before that are what the structure reading is measured on | 10 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that upward direction; the labelling fails if price closes below 21.378. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction. | possible upward five-wave sequence, in wave 4 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 77 trading days ago — a "golden cross", a bullish long-term signal | 77 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 47, with buyers in control | 47.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 68, neither overbought (above 70) nor oversold (below 30) | 67.6 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($21.25 to $31.25) — its "stochastic" reading is 68 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 67.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 1 trading day ago (its momentum flipped negative) | 1 session |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $31.25 | $31.25 |
|---|---|---|
| From the 52-week high | it is 10.3% below its 52-week high (its highest price of the past year) | -10.3% |
| Above the 52-week low | it is 158.0% above its 52-week low (its lowest price of the past year) | +158.0% |
| Below the 52-week high | it is 10.3% below its highest point of the past year | 10.3% |
| Since a 20-day breakout | it made a new 20-day high about 9 trading days ago | 9 sessions |
| Since a 55-day breakout | it made a new 55-day high about 9 trading days ago | 9 sessions |
| All-time high | its highest closing price on record is $67.50 (set on 2015-10-12) | $67.50 |
| Given back of the 52-week move | over the past year its closes ranged ($11.29 to $30.50), and it has given back only a small part of its rise from last year’s low — 13% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $18.01 to $18.63. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 12.8% |
| From the all-time high | it is 58.5% below its all-time high | -58.5% |
| Nearest price level | it is sitting right on a resistance level at $28.10 — a price it turned at four times since 2024-11-12, most recently on 2025-02-12. Since 2024-08-21 it has 13 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.2% |
| All-time low | its lowest closing price on record is $0.36 (set on 2020-03-19) | $0.36 |
| Above the all-time low | it is 7688.9% above its all-time low | +7,689% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 91% of the past ~6 months) | 91st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.41 between its high and its low — about 5.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.41 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $18.48 and $32.50 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $18.48 – $25.49 – $32.50 |
| Typical daily range (% of price) | its price moves about 5.0% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 5.0% |
| Stretch from the 200-day average | it is trading 8.1 daily ranges above its 200-day average price (68.6% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 8.1 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.54× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 2.3% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +2.3% |
|---|---|---|
| Open gap | it gapped 2.3% above the previous close 10 sessions ago and has not traded back through the level it left behind at 24.45 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.3% |
| Gap filled | a 2.3% gap up opened on 2026-08-21 has been "filled" today — price traded back through the level the gap left behind, and it closed again during the very session that opened it | today |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 36.5 percentage points (the stock gained 38.9% while the market gained 2.3%) | +36.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 73.1 percentage points (the stock gained 76.2% while the market gained 3.1%) | +73.1% |
| vs market, 6 months | over the past 6 months this stock beat the market by 122.6 percentage points (the stock gained 133.7% while the market gained 11.1%) | +122.6% |
| vs market, 12 months | over the past 12 months this stock beat the market by 69.9 percentage points (the stock gained 90.4% while the market gained 20.5%) | +69.9% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 45% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 4.7% of the share price. | +44.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 50% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $18.67 — a volume-weighted average of daily closes over 158 sessions, not a true tick-by-tick VWAP. | +50.2% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% below the average price paid since it last reported on 2026-08-06 (its 10-Q), so the typical buyer over that stretch is under water. That average is $28.21 — a volume-weighted average of daily closes over 12 sessions, not a true tick-by-tick VWAP. | -0.6% |
Price levels it has turned at before
PMTS last closed at $28.04 on 2026-08-21. Since 2024-08-21 it has turned at 13 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $28.10 | Resistance | 0.2% above the last close | turned there four times · 2024-11-12 to 2025-02-12 |
| $27.42 | Support | 2.2% below the last close | turned there four times · 2025-02-03 to 2025-05-02 |
| $30.98 | Resistance | 10.5% above the last close | turned there four times · 2024-12-19 to 2026-08-11 |
| $24.77 | Support | 11.7% below the last close | turned there twice · 2024-09-13 to 2025-05-16 |
| $22.09 | Support | 21.2% below the last close | turned there twice · 2024-10-03 to 2024-10-23 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes below $21.38.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $24.80 and $28.21 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a completed three-part correction, which fails on a close above $31.25.
This reading has stood for 4 trading days, since 2026-08-18.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bearish (12/26/9) · in a strong, established uptrend (ADX) · beating the market · Printed a doji candle · Stretched far above its 200-day average (6+ daily ranges) | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.00 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$32.50 range $30.00 – $34.00; median $33.00
Analyst estimates, as of 2026-08-23. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for PMTS
- Consensus EPS estimate$0.83 next reporting period, as of 2026-08-23
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Competitive and saturated payment card manufacturing market with pricing pressures limiting margin expansion","Supply chain disruptions, tariff impacts, and single-source supplier dependencies increasing production costs","Technological disruption risk from digital payment systems and mobile payments potentially rendering traditional card products obsolete"]
What changed in the latest 10-Q
AI-assisted comparison of PMTS's 10-Q filed 2026-05-05 against the prior one filed 2025-11-04.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to 'related services' phrase in context of new products: 'new products and related services' (2026 filing)
- Added reference to Arroweye Solutions, Inc. with full company name and ticker abbreviation: 'Arroweye Solutions, Inc. ("Arroweye")' (2026 filing)
- Added language about inability to renew licenses: 'our inability to renew licenses with key technology licensors' appears in newer filing
- Added specific risk language: 'our inability to adequately protect our trade secrets and' followed by continuation (2026 filing truncates but shows different structure)
- Removed:
- Removed reference to specific year in Form 10-K citation: changed from 'December 31, 2024' (2025 filing) to 'December 31, 2025' (2026 filing) - reflects updated annual report year
- Removed standalone sentence: 'the effects of climate change on our business;' as separate risk item (2025 filing contained this; 2026 filing incorporates climate change differently)
- Removed risk item: 'the effects of trade restrictions, delays or interruptions in our ability to source raw materials and components used in our products from foreign countries;' (present in 2025 filing, absent in 2026 filing)
- Reworded:
- Changed 'U.S. trade policy' to 'U.S. and global trade policy' to broaden scope (2026 filing)
- Changed 'new products and services' to 'new products and related services' (2026 filing)
- Changed reference from 'the acquisition of Arroweye,' to 'the acquisition of Arroweye Solutions, Inc. ("Arroweye"),' providing full legal name (2026 filing)
- Relocated and reframed climate change language from standalone risk item into 'disruptions in production at one or more of our facilities due to weather conditions, climate change, political instability, or social unrest' as integrated component rather than separate risk (2026 filing)
- Notes:
- Both filings are truncated at the same point in the text, limiting full comparison
- Quarterly period changed from September 30, 2025 to March 31, 2026; annual report year reference changed from December 31, 2024 to December 31, 2025 - these are expected period updates rather than substantive changes
- The removal of the 'trade restrictions, delays or interruptions' language may reflect consolidation with other supply chain risk language rather than elimination of the risk itself
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days.
- Last 180 days2 buys ($190400) · 1 sell ($74608) — 1 buying, 1 selling insiders
Most recent open-market transaction: 2026-05-19. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about PMTS's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding PMTS as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 524,792
- Reported value $7,614,734
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 3 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
PMTS had 332,050 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
PMTS had 2.88% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 10.71 days to cover at the same settlement.
- Reported short interest (shares) 332,050
- Short interest (% of shares outstanding) 2.88%
- Prior settlement (shares) 304,500
- Reported change 9.05%
- Days to cover (reported) 10.71
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Entrust Datacard (privately held)
- Giesecke+Devrient (privately held)
- Idemia (privately held)
- HID Global (privately held)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
CPI CARD GROUP INC is found in…
Frequently asked questions
What does CPI CARD GROUP INC (PMTS) do?
CPI Card Group is a manufacturer of prepaid cards, debit cards, credit cards, and related payment card solutions for financial institutions and payment networks. The company designs, produces, and delivers personalized payment cards and related services to support digital payment processing for financial services and government agencies.
What sector is CPI CARD GROUP INC (PMTS) in?
CPI CARD GROUP INC (PMTS) is classified in the Information Technology sector. Its industry is Payment processing technology / card manufacturing. It trades on NASDAQ.
Who are CPI CARD GROUP INC's (PMTS) competitors?
Notable peers of CPI CARD GROUP INC (PMTS) include Entrust Datacard (privately held), Giesecke+Devrient (privately held), Idemia (privately held) and HID Global (privately held). This peer set is informational only — not financial advice.
Is CPI CARD GROUP INC (PMTS) overbought or oversold right now?
CPI CARD GROUP INC (PMTS) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 68, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PMTS come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.